Privacy Policy

Effective Date: [August 29th 2024]

Mosaic Mortgage is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website, apply for a mortgage, or otherwise interact with us.

1. Information We Collect

We may collect the following types of personal information:

Personal Identifiers: Name, address, Social Security number, driver's license number, and other identification details.
Financial Information: Income, credit history, bank account details, loan application information, and other financial data necessary for processing your mortgage application.
Contact Information: Phone numbers, email addresses, and mailing addresses.
Digital Information: IP address, browsing history, and other information collected through cookies and similar technologies when you use our website.

2. How We Use Your Information

The information we collect is used for the following purposes:

Processing Mortgage Applications: To evaluate your eligibility for mortgage loans, process your application, and manage your mortgage account.
Communication: To communicate with you about your application, provide updates, and respond to inquiries.
Compliance: To comply with legal obligations, such as anti-money laundering regulations, and to protect against fraud and unauthorized transactions.
Improvement of Services: To improve our services, personalize your experience, and analyze website usage for better functionality.

3. How We Share Your Information

We may share your personal information in the following circumstances:

Service Providers: With third-party service providers who assist in processing your mortgage application, such as credit reporting agencies, title companies, and loan servicing companies.
Legal Requirements: When required by law, such as in response to a subpoena, court order, or government investigation.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new owner as part of the transaction.

4. How We Protect Your Information

We implement a variety of security measures to protect your personal information, including:

Encryption: Sensitive data is encrypted both in transit and at rest to prevent unauthorized access.
Access Controls: Access to personal information is limited to authorized personnel who need the information to perform their job duties.
Regular Audits: We conduct regular security audits and updates to ensure our systems are secure and compliant with current regulations.

5. Your Choices

You have certain rights regarding your personal information:

Access and Correction: You may request access to the personal information we hold about you and request corrections if any information is inaccurate.
Opt-Out: You may opt out of certain communications, such as marketing emails, by following the unsubscribe instructions in the communication.
Do Not Track: Our website does not respond to "Do Not Track" signals from your browser.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your online experience. You can manage your cookie preferences through your browser settings, but disabling cookies may limit your ability to use certain features of our website.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites, and we encourage you to review their privacy policies before providing any personal information.

8. Children’s Privacy

Our services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from individuals under 18. If we become aware that we have inadvertently collected personal information from someone under the age of 18, we will take steps to delete such information from our records. If you believe that we might have any information from or about a minor under 18, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Effective Date." We encourage you to review this policy periodically to stay informed about how we protect your information.

10. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at:

Mosaic Mortgage
10 N Lee Ave Suite 109, Oklahoma City OK 73102
405-215-9451
info@mosaicmortgageteam.com